Do these interest rates sound reasonable?

[Anthony Gayden]

I live in Arizona, and I have pretty good credit (798). I am looking at purchasing a single family property under $100,000. I still haven't decided if I will live in it or rent it out, so I asked my mortgage provider about interest rates for both ways. I told her I was putting 10 percent down on the property regardless of which way I used it, and that I wanted rates for 10 year and 15 year mortgages.

She sent me an email saying owner occupied is 5.25%, non owner occupied is 6.125%. Those rates seem a little high to me, especially considering that I am closing on a non-owner occupied 4 plex at 5% and a 30 year mortgage. My first thought was that because the loan was under $100,000, I was getting higher rates, but could it be that this lender just has rates much higher than market levels? Should I look for a different homepath lender?